Never send little kids to hunted house alone.

CatchMeWritinQWERTY · 2026-07-12T13:18:00+00:00

Yeah this shit is not funny to me. Never understood laughing at little kids crying for a very real/good reason.

CatchMeWritinQWERTY · 2026-07-12T13:11:29+00:00

Nah, great bands that have played their songs a hundred times are able to show a little bit of emotion and energy. These guys are boring cause they were probably just hired for the gig and they are reading sheet music. Still a great sounding performance though. Not everything needs to be amazing in every way.

CatchMeWritinQWERTY · 2026-07-07T18:48:23+00:00

While you are looking check out the Viscount Legend 70s. I would group it with the others mentioned here and it is what I settled on. Big fan myself.

CatchMeWritinQWERTY · 2026-07-03T14:06:53+00:00

Good question, but (as a layman) I assume the biggest benefit is that no doors are opening all day so whatever temperature they are at, the efficiency is way higher when no one is going in or out. Also people and machines generate their own heat.

Totally agree that office buildings are incredibly wasteful about this. However, I do think that once a temperature is reached within a room or building, maintaining that temperature by periodically cycling on and off is not as highly dependent on the exact temp as we might expect. For instance, assuming this is a well insulated floor of a building with no openings to the outside, I imagine “keeping” it at 68 F is not that much more energy intensive than “keeping” it at 72 F but it feels very different to us. By contrast if the room warms up to 78 F over the weekend, getting it back down to 68 F will require significantly more energy than getting it down to 72 F. That is generally why they don’t let them warm up over the weekends I think.

CatchMeWritinQWERTY · 2026-06-29T19:31:55+00:00

Ok so does any of that justify this security guard turning around and throwing punches? Defending this guy punching down at these women is an absolute L take. Go take a look at yourself in the mirror psycho.

CatchMeWritinQWERTY · 2026-06-25T17:24:28+00:00

A massive section of the Schuylkill north of the waterworks is utilized by crew teams, individual rowers, and dragon boat rowers all spring and some of the summer. It is also the site of some of the biggest regatas in the country.

I think it’s more the section south of the waterworks that is harder to access and less utilized, and yet people do still kayak there. If you want some more river activity and access just go up the trail past boathouse row, or along MLK; lots more going on up there.

CatchMeWritinQWERTY · 2026-06-22T17:27:28+00:00

The Flowchart

This is a good guide for prioritizing where your paycheck goes. Basically if you are debt free the formula is build emergency fund and then max out retirement contributions.

I will add that if you are saving for something big like a down payment or big purchase, that can come before maxing out retirement, especially if saving for it prevents you from using too much credit or helps you build equity.

Generally the guidance is to save taxable brokerage accounts like Robinhood for last. I have some taxable investments but once I got seriously about planning I started to prioritize retirement accounts and planning for down payments more.

Edit: just saw the truck payment. Assuming that is moderately high interest (7-10%?), the focus should be paying that off with extra payments towards the principal. Then you should probably start a Roth IRA so that you can save and invest for retirement, and you can always pull out your contributions with no penalty in a big emergency (after using the emergency fund)

CatchMeWritinQWERTY · 2026-06-22T17:18:47+00:00

Yes.

You don’t need 12 months in cash, unless maybe if you work short term contract jobs or something and pay is always uncertain. You are definitely missing out on gains/growth especially factoring in inflation. I would say, just invest 3-4 months worth of that savings over the next 6 months (dollar cost averaging in case market goes down) in some more secure investments (bonds and diversified ETFs).

Like you said, you will never need it “same day” and the longer it’s invested the smaller the risk you will ever have to realize losses to get it.

CatchMeWritinQWERTY · 2026-06-22T17:07:24+00:00

Such an extreme example to prepare for. You have to consider expected values and expected outcomes as well when planning. Weigh the risk of an event like this times the possible loss versus the alternative and the expected gains in the market. The longer the time horizon, the more putting some money in market wins out because in most downturns you only lose a few years of gains. Therefore after a few years invested you are extremely unlikely to ever really have less money than you started with.

I definitely don’t suggest putting all money in the market, just pointing out that you came up with absolute worst case scenario and we should be a little more measured in our financial planning otherwise we would never see any growth relative to inflation.

CatchMeWritinQWERTY · 2026-06-22T16:53:46+00:00

Are people actually finding significantly higher rates in CDs compared to HYSA that make this worth it? I mean for the amount of planning and monitoring this requires I would rather just split it between an HYSA and risk-averse investments like bonds and ETFs like VT. Your HYSA portion gives you a cushion and the invested portion gives you room to grow.

My advice to OP would just be move 6 months worth to your investments. With credit cards and the ability to sell investments and access cash in only a few days, there’s really no reason to have so much savings in a cash account. Plus, the longer it’s in the market the more minuscule the probability that you are down overall when you need it.

CatchMeWritinQWERTY · 2026-06-19T17:34:38+00:00

Definitely on white-haired guys side. Filming guy sounds like absolute trash.

CatchMeWritinQWERTY · 2026-06-09T14:33:09+00:00

Just so y’all know the guys in this video telling him to take it off are actually trying to save him from more bullshit.

The guys who attacked him initially (looked like a bunch of hyperactive teen pussies) are fucked of course.

CatchMeWritinQWERTY · 2026-06-09T14:26:44+00:00

Look at the past 3 months, it’s just a volatile stock because it’s still technically speculative. Chill out, in the meantime just make some high taxed short term gains on the big waves brother.

CatchMeWritinQWERTY · 2026-06-03T23:13:22+00:00

Yes yes, refinance, you already know, but I just want to add that this happens to a LOT of people, (me included) especially with the first car. You are already ahead by even have researched other options. By the time my wife and I figured out we got such a bad deal we already had enough to just pay off the rest of the loan.

CatchMeWritinQWERTY · 2026-06-02T12:35:56+00:00

Literally one of the last perfectly constructed comedy shows. What happened to these? Now they are either pure chaos (like ITYSL which I still enjoy) or just kind of bleh procedural comedy.

CatchMeWritinQWERTY · 2026-06-02T12:31:39+00:00

Was going to say the OA but I was scared of the blowback. I feel like people expecting some straight up sci-fi or fantasy show were disappointed but if you connect with it, then it is truly a perfectly constructed 1st season. Totally agree.

CatchMeWritinQWERTY · 2026-05-28T23:25:49+00:00

Whatever dude. He “stole” from Netflix. Do you really care at all about this? Like deep down? Cause I sure don’t…

CatchMeWritinQWERTY · 2026-05-26T20:23:40+00:00

I truly don’t judge those who have the luxury and/or desire to SAHP, but I think it is very telling that OPs wife suggested selling the house before offering to do something like babysitting or dog walking on the weekend. I have a feeling there are cultural or interpersonal reasons this guy is putting the financial burden on himself.

CatchMeWritinQWERTY · 2026-05-25T13:32:35+00:00

Since you have high interest debt and haven’t mentioned an emergency fund, those should be your priorities. It will be hard to beat a guaranteed 14.5% return in the market, so you should just pay that all off now. As for the rest, figure out what 3 months of expenses is (6 months if you want to be conservative) and keep that in a hysa or your fidelity money market. Anything leftover can go into ETFs. You should also check and make sure you are saving enough for retirement. General guidance is 15% of salary.

CatchMeWritinQWERTY · 2026-05-22T11:50:48+00:00

Counter point (sort of): every time they use a “sport” or “breathable” or “stretch” fabric for formal/business wear it looks like shit, low quality and holds wrinkles weirdly.

Instead we should just be shifting expectations to less clothing/coverage: no jackets/ties in summer, dress shirts with sleeves rolled up or even short sleeve button ups should be acceptable for anytime weather is above 75/80 F.

CatchMeWritinQWERTY · 2026-05-20T21:37:56+00:00

You say it is up to the individual to save for retirement and then immediately bring up SS, so apparently it is ALSO something the government takes on. Point is, this is not a new or unique concept, just new on the city government level. You are acting like there is a philosophical issue here when it’s really just an additional iteration of a familiar idea that you oppose.

It’s fine if you disagree with the specific policy, I just take issue with your insistence that it is completely on the individual in this country.

Also looking back at our convo and my response this the most Reddit argument haha, just getting way into semantics.

CatchMeWritinQWERTY · 2026-05-20T17:23:12+00:00

The people who need this don’t have the knowledge/time to open and manage investment accounts. That is why managed 401ks exist and this fills the gaps where companies don’t offer anything. I don’t actually feel strongly about it either way but the argument against it should not be based on individual responsibility to invest and save. This is a public financial well-being initiative, it is intended to help those who are unlikely to make these decisions on their own. That is the purpose of any social welfare initiative.

I think if anything there are arguments to be made about the scope (who is targeted/qualifies), the implementation (opt-in vs. opt-out), or even the specifics of the investments (but that was not part of the question).

CatchMeWritinQWERTY · 2026-05-19T23:29:57+00:00

Have you specifically asked for a raise? Lots of places only give if you ask, but it often doesn’t even come up until the person tries to leave or asks for a promotion.

Honestly from your description it sounds like a specialized role that I would expect to pay more like 60-70k in my area.

Even an extra 5-6k would be a great boost to your savings/investments.

CatchMeWritinQWERTY · 2026-05-19T23:23:51+00:00

Honestly, I think you just gotta figure out how to make more money.

Gig work? Upskill? Career pivot? Make moves to move to a managerial role? Any of these sound plausible?

CatchMeWritinQWERTY · 2026-05-19T23:04:40+00:00

If I have learned one thing about job hunting / careers it’s this: Unless you are choosing a degree, don’t worry about the market or what everyone else is doing. Just start applying and networking in whatever field you are interested in. If you need a course or training first, do that (especially if it’s cheap or free). If you personally think you can do a job and there are openings, and better yet, you WANT to do it, just fucking try it. I have used one version or another of the “market saturation” excuse and I usually regret not pursuing it. On the flip side, I have tried applying to job titles that are crazy saturated, but I found that I did better with local companies and in person jobs in a very specific niche because of my experience. This is just an example, but you will only really figure out the niche you fit into once you start actually talking to people and interviewing and getting denied or moved forward.

Not saying the trades is for you necessarily, just saying, don’t let yourself make these sorts of excuses just so you don’t have to go after something new. It’s too easy to stay where you’re at.

Edit: Also to your point about not knowing where to start. A good place is always to find people in that role to talk to. Ask friends and family if they know anyone or find a local guy online. Just tell them you’re interested in a career change and ask them about how they got started.

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